Consumer Disclosures

Consumer Information

This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose.

How to update your records:
It is your responsibility to provide us with a true, accurate and complete email address and other contact information, and to promptly provide us with any updates to your contact information. You may provide updated contact information to us by calling 866-376-7835 or emailing us athelp@acsi.net.

Hardware and Software Requirements:
In order to access, view and retain electronic communications that we make available to you, you must have the following:

Paper copies:
You may request a paper copy of communications by calling 866-376-7835 or emailing us at help@acsi.net.

Communications in writing:
All communications that we send to you in either electronic or paper format will be considered to be communications “in writing”, and you should print or download copies of all such communications, including this Consent form, for your personal records.

Federal Law:
You further acknowledge and agree that your consent to electronic communications is being provided in connection with a transaction affecting interstate commerce that is subject to the federal Electronic Signatures in Global and National Commerce Act (E-Sign Act – 15 U.S.C. §§ 7001 – 7006), and that the E-Sign Act shall apply to the fullest extent possible to validate our ability to conduct business with you via electronic communications.

Payment in Full:
Because your credit agreement may require you to pay interest on the outstanding portion of your balance, as well as late charges and costs of recovery, which vary from day to day, as you agreed in your credit agreement, the amount required to pay your account in full on the day you send payment may be greater than the amounts that appear in our written communications. If an amount is stated on a letter and you pay that amount, an adjustment may be necessary after we receive your payment. In that event, we will notify you of any adjustment in your balance. We encourage you to call prior to making a payment intended to pay your account in full.

Email Communications:
By emailing ACSI, you are requesting to receive email from ACSI on an ongoing basis. You understand email is not a secure method of communication. By emailing and/or providing your telephone number you are giving express consent to call and/or reply to your personal email. Your response also provides assurance that the email address provided is secure to your use. You may withdraw consent or opt out by emailing ACSI. You may need Adobe Acrobat Reader to access some of the electronic records that may be sent to you.

CONFIDENTIALITY NOTICE FOR EMAIL: This email communication, including any attachments, is covered by the Electronic Communication Privacy Act of 1986 (18 U.S.C. sections 2510-22) and may contain information protected by the federal regulations under the Health Insurance Portability and Accountability Act of 1996 (45 C.F.R Parts 160-164) or other confidential information. If you are not the intended recipient (or authorized to receive for the recipient), you are hereby notified that any review, disclosure, dissemination, distribution or copying of this communication is strictly prohibited. If you have received this communication in error, please delete and/or destroy all copies of this communication and any attachments. No confidentiality or privilege is waived by errant delivery. Email transmissions cannot be guaranteed to be safe or error-free as information could be intercepted, corrupted, lost, destroyed, arrive late, incomplete, or contain viruses. Therefore, the sender, Automated Collection Services, Inc. does not accept liability for any errors or omissions in the contents of the message.

SEE THE FOLLOWING INFORMATION FOR YOUR STATE OF RESIDENCE

We are required under state law to notify consumers of the following rights. The following notices apply to persons who reside in those states. This list does not contain a complete list of the rights consumers have under state and federal law.

California Residents – The state Rosenthal Fair Debt Collection Practices Act and the federal Fair Debt Collection Practices Act require that, except under unusual circumstances, collectors may not contact you before 8 a.m. or after 9 p.m. They may not harass you by using threats of violence or arrest or by using obscene language. Collectors may not use false or misleading statements or call you at work if they know or have reason to know that you may not receive personal calls at work. For the most part, collectors may not tell another person, other than your attorney or spouse, about your debt. Collectors may contact another person to confirm your location or enforce a judgment. For more information about debt collection activities, you may contact the Federal Trade Commission at 1-877-FTC-HELP or www.ftc.gov. As required by law, you are hereby notified that a negative credit report reflecting upon your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations. For medical debts only – Nonprofit credit counseling services may be available in the area.

Colorado Residents – FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE WWW.COAG.GOV/CAR. A consumer has the right to request in writing that a debt collector or collection agency cease further communication with the consumer. A written request to cease communication will not prohibit the debt collector or collection agency from taking any other action authorized by law to collect the debt. Local Office: 7200 S. Alton Way, STE B180, Centennial, CO 80112, 720-508-1781.

Massachusetts Residents – NOTICE OF IMPORTANT RIGHTS: You have the right to make a written or oral request that telephone calls regarding your debt not be made to you at your place of employment. Any such oral request will be valid for only ten days unless you provide written confirmation of the request postmarked or delivered within seven days of such request. You may terminate this request by writing to the debt collector.

Minnesota Residents – This collection agency is licensed by the Minnesota Department of Commerce. For medical debts only – If you feel that your concerns have not been addressed, please contact our consumer help line at 877-483-5751 and allow us the opportunity to try and address your concerns. Or you have the option to address any concerns with the Minnesota Attorney General’s Office, which can be reached at 651-296-3353 or 1-800-657-3787.

Nevada Residents –For medical debts only – If the consumer pays or agrees to pay the debt or any portion of the debt, the payment or agreement to pay may be construed as: (1) an acknowledgment of the debt by the consumer; and (2) a waiver by the consumer of any applicable statute of limitations set forth in NRS 11.190 that otherwise precludes the collection of the debt; and (3) if the consumer does not understand or has questions concerning his/her legal rights or obligations relating to the debt, the debtor should seek legal advice.

New York State Residents – If a creditor or debt collector receives a money judgment against you in court, state and federal laws may prevent the following types of income from being taken to pay the debt:

Tennessee Residents – This collection agency is licensed by the Collection Service Board of the Department of Commerce and Insurance.

Utah Residents – As required by Utah law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations. We will not submit a negative credit report to a credit reporting agency about this credit obligation until the expiration of the 30-day validation period described in the initial validation letter mailed to you by Automated Collection Services, Inc.

Wisconsin Residents – This collection agency is licensed by the Division of Banking in the Wisconsin Department of Financial Institutions,www.wdfi.org.